by Ed Hinerman | Sep 15, 2007 | cancer, heart disease, insurance, life insurance
It’s certainly no secret that life insurance underwriters have taken a hard line stance on the issue of smoking over the years. They have not taken lightly the connection between smoking and cancer, heart disease, copd and other health risks. Recently a couple...
by Ed Hinerman | Sep 14, 2007 | Fat March, insurance, life insurance, obesity
Completing my interview of Will Millender, my hope is that his thoughts on obesity and it’s impact on life will help foster further discussion about the problem and how life insurance underwriters view it. Question: We met through a blog about life insurance and...
by Ed Hinerman | Sep 14, 2007 | Fat March, insurance, life insurance, obesity
Continuing on with my interview of Will Millender, my hope is that his thoughts on obesity and it’s impact on life will help foster further discussion about the problem and how life insurance underwriters view it. Question: There is an epidemic of obesity today....
by Ed Hinerman | Sep 14, 2007 | Fat March, insurance, life insurance, obesity
After completing my series of blogs on the reality show Fat March and the reality of how weight and weight loss can affect life insurance rates, I had the pleasure of getting to know and interviewing one of the participants, Will Millender. Over the next 3 posts I...
by Ed Hinerman | Sep 14, 2007 | diabetes, insurance, life insurance, private pilots
I recently wanted to share some thoughts on a diabetes issue concerning a blog I read on the American Diabetes Association website. Diabetes and getting fair treatment on life insurance for those that suffer from it has been a passion of mine for at least the past 10...
by Ed Hinerman | Sep 13, 2007 | breast cancer, cancer, insurance, life insurance, prostate cancer
We’ve all heard the lead in, “I’ve got good news and bad news”. It seems with the potentially preventive drug for prostate cancer, Finasteride, there may be good news and bad…..and bad news and good news….. In the best of all worlds...
by Ed Hinerman | Sep 12, 2007 | insurance, life insurance, term insurance, universal life
Within the next month or so I expect we will be announcing an affiliation that will allow us to write both term insurance and universal life insurance all over the world. In a previous post I had mentioned that we had found a company that was willing to write...
by Ed Hinerman | Sep 12, 2007 | insurance, life insurance
They are call beneficiaries. As we continue to pick apart life insurance policies I wanted to touch on the subject of beneficiaries, how to choose them, and things not to do. The owner of the policy designates the beneficiaries. Most often the insured is the owner,...
by Ed Hinerman | Sep 11, 2007 | cancer, insurance, life insurance
Continuing on with dissecting life insurance policies, the suicide and contestability clause is common to all policies, whether term insurance, whole life or universal life. Referring back to my policy, let’s look at the two provisions. Incontestability and...
by Ed Hinerman | Sep 11, 2007 | cancer, heart attack, insurance, life insurance, prostate cancer, term insurance, universal life
We have been gutting term life insurance this week starting with a look at an actual policy. Being a contract as it is, there are plenty of definitions and clauses and options and such. So my previous posts didn’t get too hefty, I picked out a few items to...
by Ed Hinerman | Sep 11, 2007 | diabetes, Fat March, heart disease, insurance, life insurance, obesity
The ABC reality weight loss show, Fat March, concluded last night with the remaining 6 participants completing a 575 mile walk from Boston to Washington, DC. Plenty of pounds were shed. Plenty of sore knees to show for it. I have followed Fat March strictly from a...
by Ed Hinerman | Sep 11, 2007 | insurance, life insurance, term insurance
In the last post we covered the fact that the “default” payment option is a lump sum payment to your beneficiary. Either the owner of the policy or the beneficiary can change that option. Attached is the portion of the policy that deals with payment...
by Ed Hinerman | Sep 11, 2007 | insurance, life insurance, term insurance, universal life, whole life
Now we are into some exciting stuff. We have blown past the cover and are now truly into the guts, the purported fine print, of my policy. I won’t hit on every detail of the next 4 pages. I figure if you can follow my ramblings, a little contract language should...
by Ed Hinerman | Sep 10, 2007 | insurance, life insurance, term insurance
Over the next three posts I will be opening up an actual in force term life insurance policy in an effort to do away with the “fine print” myth that I mentioned in a previous post, and also to generally educate you about the guts of a policy. There are no...
by Ed Hinerman | Sep 9, 2007 | insurance, life insurance, universal life
I’m sure that will get the attention of VUL agents, and VUL policy owners. And it should. The variable universal life policy, for my money, is nothing better than a legal misrepresentation. How many times have I talked about the problem with agents selling and...
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